This caught my attention:
Account must remain open with minimum funding for 9 months, or TD AMERITRADE may charge the account for the cost of the Starpoints.
Arguably, Ameritrade's cost of the points/miles is fairly low, since they buy them in bulk. This language does not say that an early withdrawal of funds means that you're buying the points/miles at the going (airline/hotel website) prices, but rather that you have to cover what Ameritrade paid for the miles. Anyone have experience with this?